Buffy's 30 Month Plan

Buffythedebtslayer
Buffythedebtslayer Posts: 18,921 Forumite
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in Debt free diaries
Hello All,

I have been here for a really time, got out of debt twice and then got in debt again! It is like a hobby.........a really crap limiting unsatisfying hobby!

Currently I am 4841 pounds in debt, don't own a house and have about 1000 across very various accounts for insurance, Christmas, the Summer etc.

In thirty months I aim to have paid off the debt, have 10,000 saved up - some in a help to buy ISA (6000) and some in various saving accounts.

Ideally I will have more savings, but the 30 months is effectively 200 for the debt and 200 for the house, the debt will be paid off before that and then that gets saved somewhere.

This will be achieved by August the 25th 2021.

Well.
That is it. There is the plan.

Love Buffy XXX
Nevertheless she persisted.
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Comments

  • beanielou
    beanielou Posts: 90,176 Ambassador
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    Happy shiny new diary Buffster.
    You can do it :) xxx
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • in_need_of_direction
    in_need_of_direction Posts: 7,282 Forumite
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    sounds like a plan
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st11lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 40.25% through my pb challenge.
  • Buffythedebtslayer
    Buffythedebtslayer Posts: 18,921 Forumite
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    edited 26 February 2019 at 11:28PM
    Thanks Beanie, XXX Lets hope so. I have started a book called Atomic Habits which is a very good read so far.

    Am not feeling miraculously better or anything. But I can carry on feeling like this with a plan.

    XX
    Nevertheless she persisted.
  • Buffythedebtslayer
    Buffythedebtslayer Posts: 18,921 Forumite
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    in_need_of_direction wrote: »
    sounds like a plan

    Yep. Clear and straightforward. Also doesn't preclude changing jobs which given today's experience I am very happy about.

    XX
    Nevertheless she persisted.
  • RosaBernicia
    RosaBernicia Posts: 4,875 Forumite
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    Happy new diary Buffy :)
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • Pooky
    Pooky Posts: 7,023 Forumite
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    Cheering on from the sidelines :)

    Let's get future proofing!
    "Start every day off with a smile and get it over with" - W. C. Field.
  • Emzilla
    Emzilla Posts: 3,810 Forumite
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    Good luck Buffy :D

    Emz xx
  • Lucifa73
    Lucifa73 Posts: 7,726 Forumite
    First Anniversary Combo Breaker
    Good goals Buffy - you've got the what and the when but you need the 'how'. Once that is in place you will be unstoppable!
    Lx
    26.2.19/14.1.19: T MC 3629.26/3629.26 : VM 0% 1050/13876.59 : W 0% 100/1485 = 4409.26/18990.85 =25.17%
    28.1.19/28.1.19 Hubs 0% £400/£2,977 =13.44%
    SPC 2019 #073
    My debt free diary


  • Sun_Addict
    Sun_Addict Posts: 21,245 Forumite
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    Agree with Lucifa you need a how. I'm sure it's all in hand though.

    Good luck with your new plan, must feel good to start afresh :)
    Christmas Savings 2024 £252.38/£600 April NSD:2 April Surveys £
  • pidge04
    pidge04 Posts: 792 Forumite
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    Brilliant - good luck!
    Store card £140 £117 - Store card £150 - Overdraft £200 - PayPal £364 - Loan 1 £5052 - Loan 2 £1733 - Credit card £2890 - Car hire purchase £3200 - Savings £0.
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